I understand that investing in a Roth can yield tax free growth and withdrawals as long as the account is at least 5 years old, and you wait until age 59.5 before cashing out any growth. The money can be used for anything.
I also understand that an HSA follows a similar pattern of tax free growth and withdrawals. However the withdrawals are only tax free for qualified medical expenses, or certain life events. After age 65 you can use the HSA growth for whatever you want, but non qualified expenses will incur an income tax hit.
Lastly, an HSA has a triple tax advantage because the money going in can be payroll deducted, or you can claim it against your taxes if you have your own account with Fidelity (or similar).
Here is my question: is that last part of the tax advantage really that beneficial? I file married-jointly, so our standard deduction will be $32,200 for this year. We don't come anywhere near that. It would seem that if that tax advantage deduction doesn't really benefit me, then the Roth is superior because there's no qualified vs non qualified to worry about.
What am I missing? Thanks in advance!